--- title: Compliance Docutech | Fred Gooch (11) description: Compliance Docutech (11) --- - Solutions - [Overview](https://docutech.com/solutions/) - [Document Solutions](https://docutech.com/solutions/document-solutions) - [eClosing](https://docutech.com/solutions/eclosing/) - [Document Generation](https://docutech.com/solutions/document-generation) - [Fulfillment](https://docutech.com/solutions/solutions-fulfillment) - Resources - [Overview](https://docutech.com/resources/) - [Solution Briefs](https://docutech.com/resources/solution-briefs) - [Request a Demo](https://docutech.com/docutech-request-a-demo) - [Compliance](https://docutech.com/resources/compliance) - [Blog](https://blog.docutech.com) - Partners - [Overview](https://docutech.com/partners/) - About Us - [Overview](https://docutech.com/about-us/) - [Contact Us](https://docutech.com/about-us/contact-us) - Let's Talk - Solutions - [Overview](https://www.docutech.com/solutions?hsLang=en) - [Document Solutions](https://www.docutech.com/solutions/document-solutions?hsLang=en) - [eClosing](https://www.docutech.com/solutions/eclosing?hsLang=en) - [Document Generation](https://www.docutech.com/solutions/document-generation?hsLang=en) - [Fulfillment](https://www.docutech.com/solutions/solutions-fulfillment?hsLang=en) - Resources - [Overview](https://www.docutech.com/resources?hsLang=en) - [Solution Briefs](https://www.docutech.com/resources/solution-briefs?hsLang=en) - [Request a Demo](https://www.docutech.com/docutech-request-a-demo?hsLang=en) - [Compliance](https://www.docutech.com/resources/compliance?hsLang=en) - [Blog](https://blog.docutech.com/) - Partners - [Overview](https://www.docutech.com/partners?hsLang=en) - About Us - [Overview](https://www.docutech.com/about-us?hsLang=en) - [Contact Us](https://www.docutech.com/about-us/contact-us?hsLang=en) Stay ahead with trusted industry insights and compliance updates. 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"publicUrls" : null, "slug" : "in-the-news", "status" : "active", "totalPosts" : null, "translatedFromId" : null, "translations" : { }, "updated" : 0 }) In the News (TagWithUsageStats: { "associatedBlogIds" : \[ \], "categoryId" : 0, "cdnPurgeEmbargoTime" : null, "contentIds" : \[ \], "cosObjectType" : "TAG", "created" : 0, "deletedAt" : 0, "description" : "", "id" : 192528390150, "label" : "Late Fee Updates", "language" : null, "lastUsed" : 1781640137000, "livePosts" : 1, "name" : "Late Fee Updates", "portalId" : 8616779, "publicUrl" : null, "publicUrls" : null, "slug" : "late-fee-updates", "status" : "active", "totalPosts" : null, "translatedFromId" : null, "translations" : { }, "updated" : 0 }) Late Fee Updates (TagWithUsageStats: { "associatedBlogIds" : \[ \], "categoryId" : 0, "cdnPurgeEmbargoTime" : null, "contentIds" : \[ \], "cosObjectType" : "TAG", "created" : 0, "deletedAt" : 0, "description" : "", "id" : 190930569888, "label" : "Loan Estimate", "language" : null, "lastUsed" : 1752687784000, "livePosts" : 1, "name" : "Loan Estimate", "portalId" : 8616779, "publicUrl" : null, "publicUrls" : null, "slug" : "loan-estimate", "status" : "active", "totalPosts" : null, "translatedFromId" : null, "translations" : { }, "updated" : 0 }) Loan Estimate (TagWithUsageStats: { "associatedBlogIds" : \[ \], "categoryId" : 0, "cdnPurgeEmbargoTime" : null, "contentIds" : \[ \], "cosObjectType" : "TAG", "created" : 0, "deletedAt" : 0, "description" : "", "id" : 190928009891, "label" : "Recent Articles", "language" : null, "lastUsed" : 1740678036000, "livePosts" : 30, "name" : "Recent Articles", "portalId" : 8616779, "publicUrl" : null, "publicUrls" : null, "slug" : "recent-articles", "status" : "active", "totalPosts" : null, "translatedFromId" : null, "translations" : { }, "updated" : 0 }) Recent Articles (TagWithUsageStats: { "associatedBlogIds" : \[ \], "categoryId" : 0, "cdnPurgeEmbargoTime" : null, "contentIds" : \[ \], "cosObjectType" : "TAG", "created" : 0, "deletedAt" : 0, "description" : "", "id" : 193004314659, "label" : "State", "language" : null, "lastUsed" : 1753132167000, "livePosts" : 2, "name" : "State", "portalId" : 8616779, "publicUrl" : null, "publicUrls" : null, "slug" : "state", "status" : "active", "totalPosts" : null, "translatedFromId" : null, "translations" : { }, "updated" : 0 }) State ## Document Updates: 3200 Fixed Rate Note 2021 (Cx25454) for RD/USDA Construction to Perm Mar 6, 2026 HB-1-3555, Chapter 6 gives lenders the option to escrow a borrower’s regularly scheduled principal, interest taxes, and insurance payment established ... Topics: [Document Updates](https://compliance.docutech.com/tag/document-updates) [Read More](https://compliance.docutech.com/document-updates-3200-fixed-rate-note-2021-cx25454-for-rd/usda-construction-to-perm) ## Document Updates: Oregon Enhancement for Greater Flexibility in Prepayment Fee Language Mar 5, 2026 We’re rolling out an update to Oregon prepayment disclosures to enhance flexibility for prepayment language. Topics: [Document Updates](https://compliance.docutech.com/tag/document-updates) [Read More](https://compliance.docutech.com/oregon-enhancement-greater-flexibility-in-prepayment-fee-language) ## Document Updates: Montana Acknowledgments and Jurats for Ink, IPEN & RON Feb 26, 2026 For Remote Online Notarizations (RONs), Mont. Code Ann 1-5-610(10) requires the notarial certificate to identify the “place within the United States ... Topics: [Document Updates](https://compliance.docutech.com/tag/document-updates) [Read More](https://compliance.docutech.com/document-updates-montana-jurats-for-ink-ipen-ron) ## Document Update: MT Acknowledgment that Real Property is Not Exempt From Execution (Cx1412) Feb 10, 2026 We have historically provided the MT Acknowledgment that Real Property is Not Exempt from Execution (Cx1412) based on provisions in the Montana Code ... Topics: [Document Updates](https://compliance.docutech.com/tag/document-updates) [Read More](https://compliance.docutech.com/document-update-mt-acknowledgment-that-real-property-is-not-exempt-from-execution-cx1412) ## Document Update: Informed Consumer Choice Disclosure Notice (Cx41) Jan 6, 2026 The Informed Consumer Choice Disclosure is a model form available online at FHA Model Documents SF. Regulations for this document require that the ... Topics: [Document Updates](https://compliance.docutech.com/tag/document-updates) [Read More](https://compliance.docutech.com/document-update-informed-consumer-choice-disclosure-notice-cx41) ## Document Updates: 2026 HELOC Historical Table on HELOC Important Terms (Cx21651) Dec 31, 2025 Our standard HELOC Important Terms document (Cx21651) has a table that shows how the Annual Percentage Rate and the minimum monthly payments for a ... Topics: [Document Updates](https://compliance.docutech.com/tag/document-updates) [Read More](https://compliance.docutech.com/document-updates-2026-heloc-historical-table-on-heloc-important-terms-cx21651) ## Document Updates: Texas Home Equity Second Note (Cx6183) Dec 24, 2025 The late charge section of TX Home Equity Second Note (Cx6183) has been updated to match the second lien late charge logic found on other standard ... Topics: [Document Updates](https://compliance.docutech.com/tag/document-updates) [Read More](https://compliance.docutech.com/document-updates-texas-home-equity-second-note-cx6183) ## Document Updates: Creation of New Version of Kentucky Fair Housing Disclosure (Cx28723) & Retirement of Old Version (Cx11145) Dec 23, 2025 104 Ky. Admin. Regs. §1:010(4) states: Topics: [Document Updates](https://compliance.docutech.com/tag/document-updates) [Read More](https://compliance.docutech.com/document-updates-creation-of-new-version-of-kentucky-fair-housing-disclosure-cx28723-retirement-of-old-version-cx11145) ## Document Updates: Interest Rate on LA Mortgage Second (Cx485) and ND Mortgage Second (Cx495) Dec 17, 2025 We have updated the Cx485 Louisiana Mortgage Second and Cx495 North Dakota Mortgage Second to remove references to the specific amount of interest on ... Topics: [Document Updates](https://compliance.docutech.com/tag/document-updates) [Read More](https://compliance.docutech.com/document-updates-interest-rate-on-la-mortgage-second-cx485-and-nd-mortgage-second-cx495) The preceding is for informational purposes only and is not and may not be construed as legal advice. No third-party entity may rely upon anything contained herein when making legal and/or other determinations regarding its practices, and such third party should consult with an attorney prior to embarking upon any specific course of action. ![eSign eClose Icon](https://17501.fs1.hubspotusercontent-na1.net/hubfs/17501/Docutech/icon_matrices.svg) ### Matrices Access our compliance matrices. The information provided on these pages was accurate and current as of the original date of publication. - [Cooperative Matrix](https://17501.fs1.hubspotusercontent-na1.net/hubfs/17501/Docutech/PDFs/Cooperative_matrix.v.4.pdf) - [State Disclosure Matrix](https://17501.fs1.hubspotusercontent-na1.net/hubfs/17501/Docutech/PDFs/State_Disclosures_Matrix_v1.xlsx) - [Federal Disclosure Matrix](https://17501.fs1.hubspotusercontent-na1.net/hubfs/17501/Docutech/PDFs/Federal_Matrix.v.5.pdf) - [FHA Disclosure Matrix](https://17501.fs1.hubspotusercontent-na1.net/hubfs/17501/Docutech/PDFs/FHA_Matrix.v.3.pdf) - [FNMA-FHLMC Matrix](https://17501.fs1.hubspotusercontent-na1.net/hubfs/17501/Docutech/PDFs/FNMA-FHLMC_matrix.v.2.pdf) - [Foreign Language Disclosure Matrix](https://17501.fs1.hubspotusercontent-na1.net/hubfs/17501/Docutech/PDFs/Foreign_language_matrix.v.5.pdf) - [Late Fee Matrix](https://17501.fs1.hubspotusercontent-na1.net/hubfs/17501/Docutech/PDFs/Late_Fee_Matrix.v.5.pdf) - [Late Fee ConformX® Matrix](https://17501.fs1.hubspotusercontent-na1.net/hubfs/17501/Docutech/PDFs/Late_fee_ConformX_Matrix.v.4.pdf) - [Net Tangible Benefit Matrix](https://17501.fs1.hubspotusercontent-na1.net/hubfs/17501/Docutech/PDFs/Net_Tangible_Benefits.V.3.pdf) - [Notary Form Acknowledgement](https://17501.fs1.hubspotusercontent-na1.net/hubfs/17501/Docutech/PDFs/Notary_Matrix.v.4.pdf) - [Prepayment Penalty Matrix](https://17501.fs1.hubspotusercontent-na1.net/hubfs/17501/Docutech/PDFs/prepayment_penalty_matrix.v.5.pdf) - [Recordable Instruments Matrix](https://compliance.docutech.com/hubfs/DT/compliance-matrix/Recordable%20Instruments%20Matrix%202022.7.pdf) - [USDA Matrix](https://compliance.docutech.com/hubfs/DT/compliance-matrix/USDA%20Matrix%2020.08.pdf) - [VA Matrix](https://17501.fs1.hubspotusercontent-na1.net/hubfs/17501/Docutech/PDFs/VA_Matrix.v.2.pdf) ![eSign eClose Icon](https://17501.fs1.hubspotusercontent-na1.net/hubfs/17501/Docutech/icon_disclosure.svg) ### TRID Center Expand your knowledge and understanding of TRID 1.0 and 2.0 with these TRID resources. The information provided on these pages was accurate and current as of the original date of publication. - [TRID 2.0 Updates: Closing Disclosure (Cx18566) and Spanish Closing Disclosure (Cx18991) – Principal Reduction Verbiage](https://compliance.docutech.com/2018/08/22/trid-2-0-updates-closing-disclosure-cx18566-and-spanish-closing-disclosure-cx18991-principal-reduction-verbiage/) - [DI Check Update: Warnings and Errors for Second Lien Loans Exempt from TRID](https://compliance.docutech.com/2018/08/20/di-check-update-warnings-and-errors-for-second-lien-loans-exempt-from-trid/) - [Global Mapping Updates: Field “Integrated Disclosure Loan Indicator” and Second Liens Exempt from TRID](https://compliance.docutech.com/2018/08/20/global-mapping-updates-field-integrated-disclosure-loan-indicator-and-second-liens-exempt-from-trid/) - [TRID 2.0 Updates: Closing Disclosure (Cx18566) and Spanish Closing Disclosure (Cx18991) Changing Prepaid Interest From 0 to 0.00.](https://compliance.docutech.com/2018/08/13/trid-2-0-updates-closing-dislcosure-cx18566-and-spanish-closing-disclosure-cx18991-changing-prepaid-interest-from-0-to-0-00/) - [TRID 2.0 Updates: Post-Consummation Construction Fees](https://compliance.docutech.com/2018/06/27/trid-2-0-updates-post-consummation-construction-fees/) - [TRID 2.0 Updates: Prepaid Interest, Payoffs and Payments, and Monthly Escrow Payment Changes](https://compliance.docutech.com/2018/06/27/trid-2-0-updates-prepaid-interest-payoffs-and-payments-and-monthly-escrow-payment-changes/) - [TRID 2.0 Document Updates: Loan Estimate (Cx18565) and Spanish Loan Estimate (Cx18990) – Closing Costs Expiration Changes](https://compliance.docutech.com/2018/05/24/trid-2-0-document-updates-loan-estimate-cx18565-and-spanish-loan-estimate-cx18990-closing-costs-expiration-changes/) - [System Doc Updates: Promissory Notes, Integrated Disclosures, and Land Trusts](https://compliance.docutech.com/2018/05/24/system-doc-updates-promissory-notes-integrated-disclosures-and-land-trusts/) - [Document Updates: DC Lock-In Agreement (Cx10455)](https://compliance.docutech.com/2018/05/21/document-updates-dc-lock-in-agreement-cx10455/) - [TRID 2.0 and Construction Loans](https://compliance.docutech.com/2018/04/17/trid-2-0-and-construction-loans/) - [TRID 2.0 Change: Excluding NPEs from “Borrower” on the Closing Disclosure](https://compliance.docutech.com/2018/03/27/trid-2-0-change-excluding-npes-from-borrower-on-the-closing-disclosure/) - [Document Updates: Loan Estimate (Cx18565) and Closing Disclosure (Cx18566) for Construction-to-Permanent](https://compliance.docutech.com/2018/03/19/document-updates-loan-estimate-cx18565-and-closing-disclosure-cx18566-for-construction-to-permanent/) - [TRID 2.0 – What Differs from the Proposed Version](https://compliance.docutech.com/2017/07/14/trid-2-0-differs-proposed-version/) ![eSign eClose Icon](https://17501.fs1.hubspotusercontent-na1.net/hubfs/17501/Docutech/icon_resources.svg) ### URLA Resources View helpful URLA Compliance resource articles and blog posts.     The information provided on these pages was accurate and current as of the original date of publication. - [URLA Resource Center](https://compliance.docutech.com/urla-resource-center/) - [Redesigned Uniform Residential Loan Application](https://compliance.docutech.com/2020/07/28/document-updates-redesigned-uniform-residential-loan-application-cx20667/) - [Compliance News: New URLA Implementation Timeline](https://compliance.docutech.com/2020/04/14/compliance-news-fnma-and-fhlmc-announce-new-urla-implementation-timeline/) - [Recent Changes: Know Before You Owe Proposal and New Uniform Residential Loan Application](https://compliance.docutech.com/2016/10/05/recent-changes-kbyo-proposal-and-new-urla/) - [1003 Demographic Information Addendum](https://compliance.docutech.com/2016/12/02/new-document-1003-demographic-information-addendum-cx20787/) - [URLA and Data Collection Model Form Updates](https://compliance.docutech.com/2017/09/27/compliance-news-urla-and-data-collection-model-form-updates/) - [Updates to New FNMA Form 1003](https://compliance.docutech.com/2017/12/19/11898-2/) - [New Field Mapping and Configuration Update: Print 1003 Demographic Information Addendum](https://compliance.docutech.com/2017/12/13/new-field-mapping-configuration-update-print-1003-demographic-information-addendum/) - [ULI on FNMA Form 1003 and Demographic Information Addendum](https://compliance.docutech.com/2017/12/28/document-updates-uli-fnma-form-1003-demographic-information-addendum/) - [FHFA Launches Language Translation Disclosure](https://compliance.docutech.com/2018/10/15/compliance-news-fhfa-launches-language-translation-disclosure/) - [FHFA Outlines Plans for Language Access Support](https://compliance.docutech.com/2018/05/10/compliance-news-fhfa-outlines-plans-for-language-access-support/) - [Notice to Borrowers about Language (Cx22719)](https://compliance.docutech.com/author/fred-gooch/page/compliance.docutech.com/2018/10/25/new-document-notice-to-borrowers-about-language-cx22719/) - [2009 and 2018 versions of FNMA Form 1008/FHLMC Form 1077](https://compliance.docutech.com/2020/06/08/announcement-concerning-2009-and-2018-versions-of-fnma-form-1008-fhlmc-form-1077/) - [Updated FNMA Form 1008](https://compliance.docutech.com/2018/12/05/compliance-news-updated-fnma-form-1008/) - [FNMA Form 1008 Changes and Updated Second Home Rider](https://compliance.docutech.com/2019/04/03/compliance-news-more-fnma-form-1008-changes-and-updated-second-home-rider/) - [FNMA Indefinitely Postpones Form 1008 Mandatory Effective Date](https://compliance.docutech.com/2019/10/09/compliance-news-fnma-indefinitely-postpones-form-1008-mandatory-effective-date/) - [Compliance News: Updated FNMA Form 1008](https://compliance.docutech.com/2018/12/05/compliance-news-updated-fnma-form-1008/) - [FNMA Form 1008 Usage Change and Relaxed Late Charge Requirements](https://compliance.docutech.com/2020/06/03/compliance-news-fnma-form-1008-usage-change-and-relaxed-late-charge-requirements/) - [Fannie Mae Selling Guide Announcement](https://singlefamily.fanniemae.com/media/22986/display) - [1008 Uniform Underwriting and Transmittal Summary – 12/2018](https://compliance.docutech.com/2019/03/09/new-document-1008-uniform-underwriting-and-transmittal-summary-12-2018-cx22822/) - [Global Mapping and Document Changes: Redesigned URLA and UUTS](https://compliance.docutech.com/2019/06/10/global-mapping-and-document-changes-redesigned-urla-and-uuts/) - [Document Updates](https://compliance.docutech.com/tag/document-updates/) Subscribe and get the latest information on the state of the digital mortgage and eClosing evolution, regulatory compliance, industry trends, upcoming events, and more. Subscribe Close #### Docutech Blog Subscriptions Close #### Let's Talk Solutions - [Overview](https://docutech.com/solutions/) - [Document Solutions](https://docutech.com/solutions/document-solutions) - [eClosing](https://docutech.com/solutions/eclosing/) - [Document Generation](https://docutech.com/solutions/document-generation) - [Fulfillment](https://docutech.com/solutions/solutions-fulfillment) Resources - [Overview](https://docutech.com/resources/) - [Solution Briefs](https://docutech.com/resources/solution-briefs) - [Request a Demo](https://docutech.com/docutech-request-a-demo) - [Compliance](https://docutech.com/resources/compliance) - [Blog](https://blog.docutech.com) Partners - [Overview](https://docutech.com/partners/) About Us - [Overview](https://docutech.com/about-us/) - [Contact Us](https://docutech.com/about-us/contact-us) Connect - 1795 International Way Idaho Falls, ID 83402 - Toll Free  [800-497-3584](tel:+8004973584) - Office  [208-715-3186](tel:+2087153186) - Support  [Send a Message](https://docutech.atlassian.net/servicedesk/customer/user/login?destination=portals) --- - [Privacy Policy](https://www.firstam.com/privacy-policy/) - [Accessibility](https://www.firstam.com/accessibility/) - [Terms of Use](https://www.firstam.com/terms-of-use/) --- ©2023 First American Mortgage Solutions, LLC. 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